Home > Century Bank > Performance and Condition Ratios
Century Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 6,373 |
| Cost of funding earning assets | 1.6285% | 2,227 |
| Net interest margin | 2.9578% | 6,916 |
| Noninterest income to average assets | 0.1924% | 6,509 |
| Noninterest expense to average assets | 2.8875% | 4,140 |
| Loan and lease loss provision to assets | 1.6681% | 767 |
| Net operating income to assets | -1.6568% | 7,144 |
| Return on assets (ROA) | -1.6197% | 7,148 |
| Pretax return on assets | -1.6197% | 7,082 |
| Return on Equity (ROE) | -31.8309% | 7,412 |
| Retained earnings to average equity (ytd only) | -31.8309% | 7,405 |
| Net charge-offs to loans | 2.6747% | 607 |
| Credit loss provision to net charge-offs | 91.2212% | 4,721 |
| Earnings coverage of net charge-offs (x) | 0.0062% | 6,026 |
| Efficiency ratio | 99.6095% | 754 |
| Assets per employee ($millions) | 3.5513% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0845% | 767 |
| Loan loss allowance to noncurrent loans | 105.2352% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 4.0878% | 1,694 |
| Noncurrent loans to loans | 2.9310% | 2,720 |
| Net loans and leases to total assets | 63.2367% | 4,267 |
| Net loans and leases to deposits | 66.5495% | 5,597 |
| Net loans and leases to core deposits | 68.0697% | 5,928 |
| Total domestic deposits to total assets | 95.0221% | 41 |
| Equity capital to assets | 4.4476% | 7,618 |
| Core capital (leverage) ratio | 4.3877% | 7,600 |
| Tier 1 risk-based capital ratio | 8.1062% | 7,472 |
| Total risk-based capital ratio | 9.3873% | 7,476 |
| Memoranda: | ||
| Average total assets | $129,566,500 | 4,335 |
| Average earning assets | $118,553,000 | 4,319 |
| Average equity | $6,593,000 | 6,241 |
| Average total loans | $88,579,250 | 4,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 6,222 |
| Cost of funding earning assets | 1.6913% | 2,159 |
| Net interest margin | 2.9863% | 6,858 |
| Noninterest income to average assets | 0.2136% | 6,394 |
| Noninterest expense to average assets | 2.8369% | 4,328 |
| Loan and lease loss provision to assets | 1.7581% | 705 |
| Net operating income to assets | -1.6490% | 7,202 |
| Return on assets (ROA) | -1.5937% | 7,197 |
| Pretax return on assets | -1.5937% | 7,114 |
| Return on Equity (ROE) | -30.0783% | 7,435 |
| Retained earnings to average equity (ytd only) | -30.0783% | 7,419 |
| Net charge-offs to loans | 2.0443% | 887 |
| Credit loss provision to net charge-offs | 123.9437% | 3,267 |
| Earnings coverage of net charge-offs (x) | 0.0769% | 5,646 |
| Efficiency ratio | 96.2963% | 952 |
| Assets per employee ($millions) | 3.5982% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3777% | 604 |
| Loan loss allowance to noncurrent loans | 101.9608% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 4.4744% | 1,487 |
| Noncurrent loans to loans | 3.3128% | 2,417 |
| Net loans and leases to total assets | 65.4544% | 3,947 |
| Net loans and leases to deposits | 69.1648% | 5,397 |
| Net loans and leases to core deposits | 70.5905% | 5,818 |
| Total domestic deposits to total assets | 94.6355% | 58 |
| Equity capital to assets | 4.8349% | 7,649 |
| Core capital (leverage) ratio | 4.7467% | 7,629 |
| Tier 1 risk-based capital ratio | 8.3359% | 7,497 |
| Total risk-based capital ratio | 9.6196% | 7,508 |
| Memoranda: | ||
| Average total assets | $130,140,330 | 4,348 |
| Average earning assets | $119,077,330 | 4,333 |
| Average equity | $6,895,330 | 6,175 |
| Average total loans | $90,299,670 | 4,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 5,794 |
| Cost of funding earning assets | 1.7644% | 2,043 |
| Net interest margin | 3.0592% | 6,693 |
| Noninterest income to average assets | 0.1871% | 6,621 |
| Noninterest expense to average assets | 2.9101% | 4,018 |
| Loan and lease loss provision to assets | -0.0552% | 7,862 |
| Net operating income to assets | 0.1288% | 5,932 |
| Return on assets (ROA) | 0.1993% | 5,810 |
| Pretax return on assets | 0.1993% | 5,878 |
| Return on Equity (ROE) | 3.6054% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.6054% | 3,996 |
| Net charge-offs to loans | -0.0743% | 7,457 |
| Credit loss provision to net charge-offs | 105.8824% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5334% | 942 |
| Assets per employee ($millions) | 3.7236% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1156% | 749 |
| Loan loss allowance to noncurrent loans | 66.5098% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 5.5062% | 1,123 |
| Noncurrent loans to loans | 4.6844% | 1,580 |
| Net loans and leases to total assets | 67.4301% | 3,521 |
| Net loans and leases to deposits | 71.8153% | 5,078 |
| Net loans and leases to core deposits | 73.2942% | 5,578 |
| Total domestic deposits to total assets | 93.8938% | 74 |
| Equity capital to assets | 5.5929% | 7,673 |
| Core capital (leverage) ratio | 5.5610% | 7,642 |
| Tier 1 risk-based capital ratio | 9.5450% | 7,280 |
| Total risk-based capital ratio | 10.8255% | 7,258 |
| Memoranda: | ||
| Average total assets | $130,442,500 | 4,401 |
| Average earning assets | $119,246,500 | 4,396 |
| Average equity | $7,211,500 | 6,110 |
| Average total loans | $91,574,000 | 4,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 6,433 |
| Cost of funding earning assets | 2.4216% | 1,238 |
| Net interest margin | 2.5786% | 7,351 |
| Noninterest income to average assets | 0.3105% | 5,858 |
| Noninterest expense to average assets | 2.9816% | 4,229 |
| Loan and lease loss provision to assets | 1.1592% | 1,971 |
| Net operating income to assets | -0.7025% | 6,371 |
| Return on assets (ROA) | -0.6574% | 6,321 |
| Pretax return on assets | -1.4349% | 6,660 |
| Return on Equity (ROE) | -10.5799% | 6,660 |
| Retained earnings to average equity (ytd only) | -10.5799% | 6,557 |
| Net charge-offs to loans | 0.9884% | 2,432 |
| Credit loss provision to net charge-offs | 161.5702% | 2,740 |
| Earnings coverage of net charge-offs (x) | -0.4824% | 6,680 |
| Efficiency ratio | 113.1327% | 737 |
| Assets per employee ($millions) | 3.6266% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0289% | 753 |
| Loan loss allowance to noncurrent loans | 110.6282% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 4.5068% | 1,427 |
| Noncurrent loans to loans | 2.7379% | 2,824 |
| Net loans and leases to total assets | 68.6609% | 3,557 |
| Net loans and leases to deposits | 73.0331% | 5,184 |
| Net loans and leases to core deposits | 87.6276% | 5,368 |
| Total domestic deposits to total assets | 94.0134% | 72 |
| Equity capital to assets | 5.4642% | 7,742 |
| Core capital (leverage) ratio | 5.4975% | 7,712 |
| Tier 1 risk-based capital ratio | 9.0421% | 7,454 |
| Total risk-based capital ratio | 10.3204% | 7,460 |
| Memoranda: | ||
| Average total assets | $134,926,000 | 4,240 |
| Average earning assets | $121,655,800 | 4,270 |
| Average equity | $8,383,800 | 5,810 |
| Average total loans | $97,933,800 | 4,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 6,534 |
| Cost of funding earning assets | 2.5633% | 1,125 |
| Net interest margin | 2.4619% | 7,499 |
| Noninterest income to average assets | 0.3127% | 5,982 |
| Noninterest expense to average assets | 3.0093% | 4,008 |
| Loan and lease loss provision to assets | -0.1382% | 8,074 |
| Net operating income to assets | 0.7168% | 3,150 |
| Return on assets (ROA) | 0.7763% | 2,973 |
| Pretax return on assets | -0.2519% | 6,044 |
| Return on Equity (ROE) | 12.1428% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.1428% | 332 |
| Net charge-offs to loans | -0.1208% | 7,935 |
| Credit loss provision to net charge-offs | 156.6667% | 3,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1308% | 598 |
| Assets per employee ($millions) | 3.5863% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4500% | 1,110 |
| Loan loss allowance to noncurrent loans | 103.4786% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 3.9859% | 1,611 |
| Noncurrent loans to loans | 2.3676% | 3,186 |
| Net loans and leases to total assets | 70.5152% | 3,387 |
| Net loans and leases to deposits | 75.9610% | 5,051 |
| Net loans and leases to core deposits | 91.7621% | 5,255 |
| Total domestic deposits to total assets | 92.8308% | 95 |
| Equity capital to assets | 6.6733% | 7,718 |
| Core capital (leverage) ratio | 6.6762% | 7,598 |
| Tier 1 risk-based capital ratio | 10.7968% | 6,161 |
| Total risk-based capital ratio | 12.0667% | 6,098 |
| Memoranda: | ||
| Average total assets | $136,017,750 | 4,235 |
| Average earning assets | $122,286,750 | 4,295 |
| Average equity | $8,696,250 | 5,751 |
| Average total loans | $99,306,500 | 4,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 6,382 |
| Cost of funding earning assets | 2.7105% | 1,006 |
| Net interest margin | 2.4019% | 7,572 |
| Noninterest income to average assets | 0.2377% | 6,578 |
| Noninterest expense to average assets | 2.9637% | 4,236 |
| Loan and lease loss provision to assets | -0.2567% | 8,178 |
| Net operating income to assets | 1.2072% | 1,453 |
| Return on assets (ROA) | 1.2091% | 1,536 |
| Pretax return on assets | -0.3209% | 6,254 |
| Return on Equity (ROE) | 19.1824% | 391 |
| Retained earnings to average equity (ytd only) | 19.1824% | 84 |
| Net charge-offs to loans | -0.2708% | 8,057 |
| Credit loss provision to net charge-offs | 129.4118% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3574% | 598 |
| Assets per employee ($millions) | 3.7378% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4297% | 959 |
| Loan loss allowance to noncurrent loans | 97.1779% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 4.0628% | 1,445 |
| Noncurrent loans to loans | 2.5003% | 2,895 |
| Net loans and leases to total assets | 70.9063% | 3,487 |
| Net loans and leases to deposits | 76.3976% | 5,108 |
| Net loans and leases to core deposits | 93.3664% | 5,190 |
| Total domestic deposits to total assets | 92.8122% | 111 |
| Equity capital to assets | 6.5888% | 7,794 |
| Core capital (leverage) ratio | 6.6096% | 7,742 |
| Tier 1 risk-based capital ratio | 9.9927% | 6,939 |
| Total risk-based capital ratio | 11.2429% | 6,871 |
| Memoranda: | ||
| Average total assets | $137,126,330 | 4,233 |
| Average earning assets | $122,488,670 | 4,311 |
| Average equity | $8,643,330 | 5,801 |
| Average total loans | $100,436,000 | 4,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 5,766 |
| Cost of funding earning assets | 2.8455% | 877 |
| Net interest margin | 2.4825% | 7,523 |
| Noninterest income to average assets | 0.2254% | 6,664 |
| Noninterest expense to average assets | 2.8380% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6126% | 106 |
| Return on assets (ROA) | 2.6126% | 132 |
| Pretax return on assets | -0.4190% | 6,755 |
| Return on Equity (ROE) | 42.3816% | 40 |
| Retained earnings to average equity (ytd only) | 42.3816% | 25 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3238% | 672 |
| Assets per employee ($millions) | 3.7391% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4108% | 837 |
| Loan loss allowance to noncurrent loans | 77.1885% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.2144% | 1,721 |
| Noncurrent loans to loans | 3.1232% | 2,073 |
| Net loans and leases to total assets | 70.6920% | 3,535 |
| Net loans and leases to deposits | 75.9991% | 5,226 |
| Net loans and leases to core deposits | 93.8094% | 5,176 |
| Total domestic deposits to total assets | 93.0169% | 84 |
| Equity capital to assets | 6.4663% | 7,884 |
| Core capital (leverage) ratio | 6.4839% | 7,886 |
| Tier 1 risk-based capital ratio | 9.7708% | 7,178 |
| Total risk-based capital ratio | 11.0210% | 7,083 |
| Memoranda: | ||
| Average total assets | $138,408,500 | 4,224 |
| Average earning assets | $122,297,000 | 4,324 |
| Average equity | $8,532,000 | 5,869 |
| Average total loans | $101,759,500 | 3,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 6,787 |
| Cost of funding earning assets | 3.0753% | 1,590 |
| Net interest margin | 2.6227% | 7,617 |
| Noninterest income to average assets | 0.2646% | 6,563 |
| Noninterest expense to average assets | 3.8335% | 1,692 |
| Loan and lease loss provision to assets | 4.3417% | 140 |
| Net operating income to assets | -5.1974% | 8,098 |
| Return on assets (ROA) | -5.1974% | 8,089 |
| Pretax return on assets | -5.4655% | 8,059 |
| Return on Equity (ROE) | -58.0551% | 8,193 |
| Retained earnings to average equity (ytd only) | -58.0551% | 8,178 |
| Net charge-offs to loans | 4.0005% | 164 |
| Credit loss provision to net charge-offs | 141.6304% | 3,739 |
| Earnings coverage of net charge-offs (x) | -0.3666% | 6,445 |
| Efficiency ratio | 141.4767% | 391 |
| Assets per employee ($millions) | 3.7424% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 806 |
| Loan loss allowance to noncurrent loans | 44.6168% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.6667% | 780 |
| Noncurrent loans to loans | 5.2419% | 808 |
| Net loans and leases to total assets | 72.8582% | 3,396 |
| Net loans and leases to deposits | 79.2493% | 5,163 |
| Net loans and leases to core deposits | 99.1674% | 4,910 |
| Total domestic deposits to total assets | 91.9354% | 142 |
| Equity capital to assets | 5.8627% | 8,084 |
| Core capital (leverage) ratio | 5.8294% | 8,126 |
| Tier 1 risk-based capital ratio | 8.3394% | 8,024 |
| Total risk-based capital ratio | 9.5889% | 8,068 |
| Memoranda: | ||
| Average total assets | $142,456,400 | 4,037 |
| Average earning assets | $132,801,000 | 3,993 |
| Average equity | $12,753,400 | 4,636 |
| Average total loans | $109,162,200 | 3,699 |